Wire money to Chase using their online banking portal, phone line, or in person at a branch

To send money to a Chase account, you have three main routes: initiate the wire yourself through Chase's website or mobile app if you're a Chase customer, call Chase's wire transfer line at 1-800-869-3557, or walk into a Chase branch and request a wire at the counter. The fastest method is online—wires sent before 2 p.m. ET on a business day typically arrive the same day. Phone and in-person wires follow the same timeline if submitted before the cutoff.

You'll need the recipient's full name, their Chase account number, and their routing number (which is 021000021 for most Chase accounts, but confirm with the recipient). If the money is going to a Chase account at a different branch, you may only need the account number and routing number. If it's going to a non-Chase bank, you'll also need that bank's routing number.

Key Takeaways

  • Chase's wire cutoff is 2 p.m. ET on business days; wires sent after that time process the next business day.
  • You need the recipient's full name, account number, and routing number; Chase's routing number is 021000021 for most transfers.
  • Domestic wires typically cost $15 to $20 per transaction; international wires cost more and take longer.
  • Once a wire is sent, you cannot cancel it if the recipient's bank has already received it, so verify all details before submitting.
  • Chase offers wire tracking through their online portal so you can confirm delivery status.

Wiring money through Chase online banking

Log into Chase.com or the Chase Mobile app, then navigate to the "Transfers" or "Send Money" section. Select "Wire Transfer" and choose whether the wire is domestic (within the U.S.) or international. Enter the recipient's name, account number, routing number, and the amount you want to send. Chase will ask you to confirm the recipient's bank name and address before you submit.

Review all details carefully—name, account number, and routing number must match exactly. Chase will show you the fee (typically $15 for domestic wires) before you confirm. Once you submit, the wire enters Chase's processing queue. If it's before 2 p.m. ET on a weekday, it will process that day. You'll receive a confirmation number immediately; save this for your records.

Wiring money by phone or at a branch

Call Chase's wire transfer line at 1-800-869-3557 and tell the representative you want to send a wire. Have the recipient's full name, account number, routing number, and the wire amount ready. The representative will repeat back all details to confirm accuracy, then process the wire. You'll receive a confirmation number over the phone.

At a Chase branch, ask a teller for a wire transfer form. Fill in the recipient's information, the amount, and your account details. The teller will verify everything, collect the fee, and submit the wire. Branch wires follow the same 2 p.m. ET cutoff as online wires. This method is useful if you prefer to speak with someone in person or if you don't have online banking set up.

Wire fees and timing

Chase charges $15 for most domestic wire transfers sent from a checking or savings account. Some account types or premium banking packages may have different fees or waived wire fees—check your account terms or ask a representative. International wires cost more, typically $45 to $50, because they route through correspondent banks and may require additional documentation.

Domestic wires sent before 2 p.m. ET on a business day arrive the same day. Wires sent after 2 p.m. or on weekends and holidays process the next business day. The receiving bank may take an additional 24 hours to post the funds to the recipient's account, though most Chase-to-Chase transfers post within hours. International wires take 3 to 5 business days depending on the destination country and the receiving bank's processing speed.

Verifying recipient information before you send

Before you submit a wire, confirm the recipient's account number and routing number directly with them—do not rely on email or text alone. Ask them to provide their account number and routing number from their bank statement or online banking portal. Verify the spelling of their full name as it appears on their account; banks reject wires with name mismatches.

If you're sending to a business, ask for the business's legal name and the specific account it uses for incoming wires. Some businesses have multiple accounts, and sending to the wrong one can delay the transfer. Once a wire is sent and the receiving bank has processed it, you cannot reverse it, so this step is critical.

Canceling or recalling a wire

If you realize you made a mistake immediately after sending, call Chase at 1-800-869-3557 and ask to cancel the wire. You have a narrow window—usually only a few minutes—before the wire leaves Chase's system. Provide your confirmation number and explain the error. Chase will attempt to stop it, but if the receiving bank has already received and processed the wire, cancellation is not possible.

If the wire has already been received by the recipient's bank, you'll need to contact the recipient directly and ask them to return the funds. If they refuse or cannot be reached, you may need to file a dispute with Chase or pursue the matter through your bank's fraud department, though recovery is not may provide. This is why verification before sending is essential.

Tracking your wire transfer

Log into Chase online banking and go to your account history or transaction details. Look for the wire transfer and click on it to see its status. Chase shows whether the wire is pending, processed, or delivered. The confirmation number you received when you sent the wire will also appear here. If you sent the wire by phone or in person, you can use the confirmation number to look up the status online.

If a wire shows as processed but the recipient says they haven't received it, the delay is usually on the receiving bank's end. Ask the recipient to check with their bank about the wire's arrival. Provide them with the wire confirmation number and the date sent. Most receiving banks can locate a wire within 24 hours if they have this information.

Frequently Asked Questions

Can I wire money to a Chase account from a non-Chase bank?

Yes. You'll need the Chase account holder's name, their Chase account number, and Chase's routing number (021000021). Your own bank will have you fill out a wire transfer form with this information. The wire will arrive in the Chase account within one business day, usually faster.

What's the difference between a wire transfer and an ACH transfer?

A wire transfer is faster and more expensive—it typically arrives the same day and costs $15 to $20. An ACH transfer is slower and free or low-cost—it takes 1 to 3 business days. Use a wire when speed matters; use ACH for routine bills and transfers where you can wait.

Do I need the recipient's name to match their account exactly?

Yes. Banks reject wires when the name on the wire doesn't match the account holder's legal name. Ask the recipient for their name exactly as it appears on their account. Middle initials and suffixes (Jr., Sr.) must match too.

Can I wire money on a weekend or holiday?

You can submit a wire request on a weekend or holiday through Chase's website or app, but it won't process until the next business day. The 2 p.m. ET cutoff only applies to business days. Your wire will enter the queue Monday morning (or the next business day) and process that day if submitted before 2 p.m.

What happens if I wire money to the wrong account by mistake?

Contact Chase immediately with your confirmation number and explain the error. If the wire hasn't been received yet, Chase may be able to recall it. If it's already been received, you'll need to contact the recipient's bank and ask them to reverse the transaction, or reach out to the recipient directly and request they return the funds. Recovery is not may provide.